What happens to my Coverdell ESA funds if my beneficiary turns 30 today and never went to college, and how do I avoid the tax penalty?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What happens to my Coverdell ESA funds if my beneficiary turns 30 today and never went to college, and how do I avoid the tax penalty?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model).
Searches and sources
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS Publication 970 2025 Coverdell ESA age 30 30 days beneficiary rollover family member 10% additional tax OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS Form 5329 instructions Coverdell ESA age 30 distribution 30 days family member rollover OBSERVED | Google ↗ AI Mode ↗ | — | Instruction | — | — | 1x of 1 |